KR20060013348A - Devices for processing transaction of borrowing by using internet banking - Google Patents

Abstract

The present invention relates to an online cash consumption transaction processing apparatus, wherein the online cash consumption transaction processing apparatus includes a money consumer loan client terminal borrowing a predetermined amount of money and a money consumer loan to transfer a predetermined amount of money to the money consumer account client. A user authentication unit which relays a money consumption loan transaction between client terminals and performs user authentication when the money lender client terminal and the money consumer client terminal are connected, and the predetermined amount corresponding to the money transfer from the consumer client terminal. An information receiving unit and money consumption for receiving or receiving money transfer information and money consumption loan condition information and interlocking with the money consumption borrower client terminal to receive confirmation information of the money consumption borrower client with respect to the money consumption loan condition information. Balance terms By the information processing associated with the consumption lender client and the money spent Borrower client information includes a storage unit for storing a predetermined storage medium, characterized by comprising. Thereby, in the borrowing of money between users, the contract creation and management according to the borrowing of money can be performed more conveniently. Further, by automatically calculating a predetermined interest amount according to the borrowing of money, troublesome work such as calculating the interest amount at the time of repayment can be reduced.

Banking, money, borrowing

Description

Devices for Processing Transaction of Borrowing by Using Internet Banking}

1 is a simplified block diagram of a system according to a preferred embodiment of the present invention.

2 is a simplified block diagram of an information storage medium according to a preferred embodiment of the present invention.

3 is a simplified illustration of an information data file according to a preferred embodiment of the present invention.

4 is a simple conceptual diagram of a borrowing process using Internet banking according to a preferred embodiment of the present invention.

5 is a simple flowchart of a borrowing process using Internet banking according to a preferred embodiment of the present invention.

Figure 6 is a simplified illustration of the money consumption loan agreement information input or selection page according to a preferred embodiment of the present invention.

FIG. 7 is a simplified illustration of a page where a money consumption borrower client inputs or selects commitment information on money consumption loan condition information according to a preferred embodiment of the present invention.

8 is a simple flowchart of a borrowing process using Internet banking according to a preferred embodiment of the present invention.

9 is a diagram illustrating a page for repaying a loan amount according to money consumption loan condition information by a money consumption borrowing client according to a preferred embodiment of the present invention.

10 is a simplified conceptual diagram of a borrowing process using internet banking according to another preferred embodiment of the present invention.

11 is a simple flowchart of the process of borrowing money using Internet banking according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: information receiver

110: user authentication unit 115: fund transfer unit

120: management unit 125: storage unit

130: receipt processing unit 135: interest amount calculation unit

140: storage medium 145: consumer loan terminal

150: consumer terminal

The present invention relates to an on-line cash consumption transaction processing apparatus, comprising: a user authentication unit that authenticates a user when a money lending client terminal and a money lending client terminal are connected, and corresponding to the money transfer from the lender client terminal; An information receiving unit for receiving or selecting predetermined money transfer information and money consumption loan condition information, and receiving confirmation information of the money consumption client client for the money consumption loan condition information in association with the money consumption loan client terminal; And a storage unit configured to process the money lending condition information in association with the lender client and the lender client information and store it in a predetermined storage medium.

In general, a loan of money is stipulated by a loan of a money consumer to transfer a certain amount of money to a borrower of money, and the borrower of the money is committed by returning the transferred money. Unlike a returning lease, the borrower takes ownership of the object and consumes it and then returns another object.

Until the development of Internet banking, the money consumption loans were prepared by handwriting between the money lenders and the money consumer loans, and the transferred money was transferred directly to the money consumers or the money consumption loans. It was a way of depositing into the borrower's account.

On the other hand, the Internet banking is to process a predetermined banking business through the network of the Internet and the interface of the web browser, a computer (for example, a PC connected to the Internet from anywhere using a popular interface of the network and the web browser of the Internet) Etc.) and a web browser can be used for banking transactions.

However, the Internet banking only provides a simple transfer service (immediate transfer, cash transfer / non-transfer transfer, reservation transfer, cash service transfer, transfer result inquiry, etc.), and if the transfer activity of the user conforms to the money consumption loan, the money There is an inconvenience that the consumer loan and the consumer borrower must meet (or by mail, e-mail, etc.) to prepare a separate contract for the money consumption loan separately, and to manage the consumption loan manually.

In addition, even at the time of repayment, when a predetermined interest amount for the money consumption loan is added, it is troublesome to calculate the interest amount.

An object of the present invention for resolving the above problems, the user authentication unit for performing user authentication when connecting to the money lending client terminal and money lending client terminal, and corresponding to the money transfer from the lender client terminal; An information receiving unit for receiving or selecting predetermined money transfer information and money consumption loan condition information, and receiving confirmation information of the money consumption client client for the money consumption loan condition information in association with the money consumption loan client terminal; According to an aspect of the present invention, there is provided an on-line cash consumption transaction processing apparatus including a storage unit configured to process money consumption loan condition information in association with the consumer loan client and the money borrower client information and store in a predetermined storage medium.

The present invention for achieving the above object relates to an on-line cash consumption transaction processing apparatus, comprising: a user authentication unit for authenticating a user when a money lending client terminal and a money lending client terminal are connected; Receives or selects predetermined money transfer information and money consumption loan condition information corresponding to the money transfer, and interlocks with the money consumption borrower client terminal to receive confirmation information of the money consumption client client regarding the money consumption condition; And a storage unit for receiving the information receiving unit and the cash consumption loan condition information in association with the consumer loan client and the loan consumer information and storing the information on a predetermined storage medium.

In addition, the present invention, in the method of borrowing money using Internet banking, a first step of authenticating a user when the money-lending client terminal connected to transfer money from the server to the borrowing client client, and the money consumption at the server; A second step of receiving or selecting predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from a loan client terminal; and in connection with the money consumption client client terminal in the server, the money consumption loan condition information A third step of receiving confirmation information of the money-consuming borrower client with respect to the money-consumption loan client and the money-consuming borrower client information in connection with the money-consuming loan client information at the server and storing it in a predetermined storage medium; It comprises a fourth step It shall be.

According to the present invention, the money transfer information may include at least one or more remittance account information, password and / or secret key information, collection account information, and user authentication information.

In addition, according to the present invention, the money consumption loan condition information may include information included in the loan certificate and / or money loan agreement information.

In addition, the money consumption loan condition information, characterized in that it includes at least one or more identification information, borrowing amount information, borrowing date information, repayment period information, interest rate information, delinquent interest rate information, loan guarantee information for the borrowed money It is done.

According to the present invention, in the first step of authenticating a user when accessing a money lending client terminal transferring money to a money lending client in the server, the server verifies the authorized certificate of the money lending client in the server; and / Alternatively, the method may further include receiving an electronic signature.

Alternatively, the second step of inputting or selecting predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the money consumption client client terminal in the server may include an authorized certificate of the money consumption client client in the server. Confirming and / or receiving the electronic signature may be configured to further include.

In the process of confirming the authorized certificate of the money consumer loan client and / or providing an electronic signature, the server is in the process of requesting a money transfer event for money borrowing according to the present invention connected to the money consumer client terminal or It may be performed in the process of processing a money transfer event.

For example, the money consuming client terminal connected with the server and a predetermined authentication certificate or connected with a predetermined storage medium (for example, a smart card) on which the authentication certificate is mounted may be a plug-in type or a downloadable executable (DEP) method. It is preferable to exchange the money transfer information for the borrowing according to the present invention through the Program). In addition, the plug-in method may include XecureWeb of Softforum, Iniplugin of Initech, and the like.

According to a preferred embodiment of the present invention, when accessing the money-consuming client terminal to transfer money to the money-consuming borrower client in the server, in the process of user authentication, or transfer the money from the money-consuming client terminal in the server In the process of inputting or selecting predetermined money transfer information and money consumption loan condition information corresponding to, for example, when the XecureWeb is used as a banking module, the web browser on the server and the client terminal performs a handshake process of SSL. Based on the mutual authentication and the session key is generated between the server and the web browser on the client terminal.

In this process, the authentication certificate of the money consumption client client mounted on the money consumption client client terminal is used for identification of the money consumption client client, the money consumption client client is the private key value included in the certificate An electronic signature is created and transmitted to the server, and the server verifies whether the money consuming client is a legitimate client by verifying the public key value of the money consuming client.

According to the present invention, in the third step of receiving the commitment information of the money-consuming borrower client with respect to the money-consuming loan condition information in the server in conjunction with the money-consuming borrower client terminal, The confirmation information of the borrower client about the money may include information that the borrower client agrees to the loan condition.

According to the present invention, the third step of receiving the confirmation information of the money-consuming borrower client with respect to the money-consuming loan condition information in connection with the money-consuming borrower client terminal in the server, the money-consuming borrower client in the server The method may further include providing the money consumption loan condition information to a terminal.

For example, when the money transfer information and the money consumption loan condition information to be provided from the money consumption client client terminal to the money consumption client client are input or selected, the server may include the money consumption client information and / or the money transfer information and money. With reference to the consumer's client information (eg, consumer's personal code, account number, mobile phone number, e-mail information, etc.) included in the consumer's loan condition information, to the consumer's consumer terminal (eg, wired or wireless terminal). The money consumption information and money consumption loan condition information has been delivered from the money consumer client in a predetermined message, preferably, the server transfers the money transfer information and money from the money consumer client receiving the message; Commitment to Consumption Loan Condition Information Before receiving the information in connection with the cash transfer information and the information and cash the money consumption balance condition consumption lender client information and the money spent Borrower client information may be stored temporarily in a predetermined storage medium.

According to the present invention, the third step of receiving the confirmation information of the money-consuming borrower client with respect to the money-consuming loan condition information in connection with the money-consuming borrower client terminal in the server, the money-consuming borrower client in the server The terminal may further include providing the money consumption loan condition information to the money borrowing client terminal.

For example, the server transfers the money transfer information and the money consumption loan condition information provided from the money consumption client client terminal to the money consumption client information and / or the money transfer until the money consumption client terminal accesses the server. It may be temporarily stored in a predetermined storage medium in association with consumer information (for example, consumer code, account number, etc.) of the borrower client included in the information and the loan condition information.

Preferably, when the money-consuming borrower client terminal accesses the server, the server checks the connected money-consuming borrower client information and temporarily stores the money-transfer borrower client information in association with the money-consuming borrower client information on the storage medium. Information and money consumption condition information may be extracted and provided to the money consumption client terminal to confirm the money consumption condition information selected or input by the money consumption loan client.

Further, according to the present invention, the third step of receiving the confirmation information of the money-consuming borrower client with respect to the money-consuming loan condition information in conjunction with the money-consuming borrowing client terminal in the server, the server The method may further include verifying a client's certificate and / or receiving an electronic signature.

Preferably, when the server is connected to the cash consumption client terminal, the server may authenticate the money consumption client, or predetermined money transfer information and money from the money consumption client client from the money consumption client client terminal. In the process of receiving the confirmation information corresponding to the loan condition information, the predetermined amount of money consumption from the money lender client through an authorized certificate mounted on the money-consuming borrower client terminal or the smart card associated with the money-consuming borrower client terminal. In accordance with the loan information, the client will be authenticated as a borrower who receives the money transfer.

For example, the borrower client prepares predetermined proof information (for example, an electronic signature) using his private key included in the public certificate, and public key information corresponding to the private key, money borrower client information, and bank. When the certificate including information, etc. is sent to the server, the server determines whether the money-consumer client is legal using the public key corresponding to the private key.

According to the present invention, the fourth step of the server to process the cash consumption loan condition information in conjunction with the money consumer loan client and the money consumer loan client information stored in a predetermined storage medium, the money consumption loan at the server And processing the condition information in association with an authorized certificate and / or electronic signature information of the money consumption loan client and the money consumption borrower client and storing the condition information in the storage medium.

In addition, the fourth step of the server to process the cash consumption loan condition information in conjunction with the money consumer loan client and the money consumer loan client information stored in a predetermined storage medium, the server with reference to the money transfer information The method may further include transferring the money to the borrower client account.

Preferably, referring to the money transfer information at the server, transferring the money to the money consumption client account, associates the money consumption loan condition information with the money consumption client and the money consumption client information. It is noted that the processing may be possible before or after storage in a predetermined storage medium.

According to a preferred embodiment, the method of borrowing money using the Internet banking according to the present invention, after transferring the money to the borrower client account, after a certain period of time, the predetermined amount corresponding to the cash consumption loan conditions in the server The method may further include a fifth step of automatically calculating an interest amount based on an interest rate of and a sixth step of adding the calculated interest amount to the borrowed amount at the server.

For example, in the borrowing of money between the money lending client and the borrower client according to the present invention, the server borrows money information included in the money lending condition information agreed between the lending client and the lending client. Based on interest rate information and repayment period information of the borrowed amount, the interest rate for the borrowed amount is calculated when a predetermined period has passed after the transfer of money to the borrower's client account, and the interest to be provided to the borrower's client. The amount can be automatically calculated and stored in the storage medium in addition to the borrowed amount.

In addition, according to a preferred embodiment, the method of borrowing money using Internet banking according to the present invention, after the transfer of the money to the borrower client account, after a certain period of time, the server corresponds to the loan condition of money consumption The method may further include automatically calculating an interest amount based on a predetermined interest rate, and providing the calculated interest amount information to the money borrowing client and / or money lending client.

In addition, the method of borrowing money using the Internet banking according to the present invention, after the transfer of the money to the money consumer account client account, after a certain period of time, the server checks the money repayment period corresponding to the money consumption loan conditions And notifying the money borrowing client and / or the money consuming client at the server of the result of checking the money repayment period.

For example, the server checks the money repayment period included in mutually agreed money consumption loan condition information between the money consumer client and the money consumer client in the money consumption loan task between the money consumer loan client and the money consumer loan client. Thus, it is possible to notify the money consumer loan client and the money consumer loan client that the money repayment period is close periodically or near the time of the repayment period.

In addition, the present invention after the transfer of the money to the money consumer account client account, after a certain period of time, the step of checking the money repayment period corresponding to the money consumption loan conditions in the server and the result of the check, the money consumption When the money repayment period corresponding to the loan condition has elapsed, the amount of money deposited in the money consuming client account is automatically transferred to the money consuming client account by the server in association with the financial server corresponding to the money consuming client account. It may be configured to further include the step of transferring.

For example, the server may automatically transfer the amount of money deposited from the financial server corresponding to the money-consuming borrower client account to the money-consuming client account, to the money-consuming client account. Monetary transfer information and / or confirmation information and / or loan condition information of the money transfer consumer's client, including the official certificate and / or digital signature information, may be provided as predetermined authentication data.

Further, according to the present invention, when the money consumer borrower client repays the money to the money consumer loan client through the server, the server to extract predetermined money consumption loan condition information associated with the money non- borrower client information; And determining, by the server, whether the money borrowing client repays the money information and / or period information and the money consumption loan condition information extracted from the storage medium. Issuing an electronic document including a predetermined receipt function corresponding to the money repayment to the money consuming client if the amount of money information and / or period information to be repaid meets the money consumption loan condition information; It can be configured to include more.

The server may further include the step of notifying the money lender client of the money repayment corresponding to the money lending condition information.

On the other hand, according to another preferred embodiment of the present invention, in the method of borrowing money using Internet banking, a first step of authenticating a user when the terminal of the consumer of the money consumption client accesses the terminal, and the server of the consumer client in the server A second step of receiving or selecting predetermined money lending condition information from the server; and receiving confirmation information of the money lending client regarding the money lending condition information from the server in connection with the money lending client terminal; The third step and the server may be configured to include a fourth step of storing the money consumption loan condition information in association with the money consumption client and the money consumption client information in a predetermined storage medium.

Preferably, the step of authenticating a user when the terminal is connected to the terminal of the money-consuming client in the server, or inputting or selecting predetermined loan condition information from the consumer-client terminal in the server may include: It may be configured to further include the step of verifying the certificate of the Borrower Client and / or provided with the electronic signature.

Preferably, the third step of receiving the commitment information of the money consumer loan client with respect to the money loan condition information in conjunction with the money consumer loan client terminal in the server, the server from the consumer loan client terminal in the server; The method may further include inputting or selecting predetermined money transfer information corresponding to the money consumption loan condition information.

In addition, the third step of receiving the confirmation information of the money consumption client client for the money consumption loan condition information in conjunction with the money consumption client terminal in the server, the server from the money consumption client client terminal in the server; And receiving or selecting predetermined money transfer information corresponding to money lending condition information, and transferring the money to the money consuming client account by referring to the money transfer information at the server. Can be.

In addition, the third step of receiving the confirmation information of the money lender client with respect to the money lending condition information in the server in connection with the money lender client terminal, the authorized certificate of the lender client at the server And may be further provided with a confirmation and / or provided with an electronic signature.

In addition, the third step of receiving the commitment information of the money consumption loan client with respect to the money consumption loan condition information in the server in conjunction with the money consumer loan client terminal, the server from the server to the money consumption client client terminal; It may be configured to further include the step of providing money consumption loan condition information.

Preferably, the third step of receiving the confirmation information of the money consumption client client with respect to the money consumption loan condition information in connection with the money consumer loan client terminal in the server, accessing the money consumer loan client terminal in the server At the time, it may be configured to further include providing money consumption loan condition information to the money consumer loan client terminal.

Preferably, the money transfer information may be configured to include at least one of remittance account information, password and / or secret key information, collection account information, user authentication information.

The confirmation information of the money lender client may be configured to include information that the money lender client agrees to the money lending condition.

Preferably, in the server, the fourth step of storing the cash consumption loan condition information in association with the money consumption client and the money consumption client information is stored in a predetermined storage medium. It may be configured to further include the step of storing in the storage medium by processing in conjunction with the authorized consumer and the electronic signature information of the money consumer loan client and the money consumer loan client.

In addition, in the present embodiment, after the money transfer to the borrower client account, the server automatically calculates an interest amount based on a predetermined interest rate corresponding to the loan condition for money consumption after a predetermined period of time. And adding the calculated interest amount to the borrowed amount at the server.

The present invention may further include automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition in the server after a predetermined period of time after transferring the money to the money consumption client account; The server may further include providing the calculated interest amount information to the money borrowing client and / or money lending client.

In addition, the present embodiment after the transfer of the money to the money consumer account client account, after a certain period of time, the step of checking the money repayment period corresponding to the money consumption loan conditions on the server and the money repayment at the server The method may further include notifying the money borrowing client and / or money lending client.

In addition, the present embodiment, after the transfer of the money to the money consumer account client account, after a certain period of time, the step of checking the money repayment period corresponding to the money consumption loan conditions in the server and the result of the check, When the money repayment period corresponding to the money consumption loan condition has elapsed, the amount of money deposited in the money consumption borrower client account by the server in connection with the finance server corresponding to the money consumption borrower client account is used. It may be configured to further include the step of automatic transfer to.

In addition, the present embodiment, the step of extracting the predetermined money consumption loan condition information associated with the money consumption client information from the server when the money consumer borrowing client repays the money to the money consumer loan client through the server; And determining, by the server, whether the money consumption borrower client repays the money information and / or period information and the money consumption loan condition information extracted from the storage medium. Issuing an electronic document including a predetermined receipt function corresponding to the money repayment to the money consuming client when the amount of money information and / or period information corresponding to the money consumption loan condition information are met; It can be configured to include more.

The server may further include the step of notifying the money lender client of the money repayment corresponding to the money lending condition information.

In addition, the amount of money repaid by the borrower client corresponding to the loan condition information is preferably an amount including the interest amount corresponding to the loan condition information.

According to the present embodiment, the money consumption loan condition information preferably includes information included in the loan certificate and / or money loan agreement information.

In addition, the money consumption loan condition information, it is preferable to include at least one or more identification information, borrowing amount information, borrowing date information, repayment period information, interest rate information, delinquent interest rate information, loan guarantee information for the borrowed money Do.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simplified block diagram of a system according to a preferred embodiment of the present invention.

Referring to FIG. 1, a system for borrowing money using the Internet according to the present invention includes a money-consuming borrower client terminal 150 borrowing predetermined money and a money-consuming loan client terminal transferring a predetermined amount of money to the money-consuming borrower client ( 145 and the server 100 relaying the money consumption balance between the money consumption client terminal 150 and the money consumption client terminal 145.

Preferably, the server 100 that performs the money transfer business based on the money lending condition information, the money transfer information to be provided to the money consumer from the money consumer loan client terminal 145 and money consumption loan according to the money transfer Receives or selects the condition information is stored (or temporarily stored) in a predetermined storage medium 140, the money transfer information from the money consumption client terminal 145 and the money consumption loan condition information money to receive the money transfer It provides to the consumer borrower client terminal 150, receives predetermined commitment information on the money loan condition information, and based on the commitment information, a predetermined amount of money from the money consumer account client account to the money consumer client account Transfer

More specifically, the server 100 may include a storage medium 140 that stores money transfer related information according to money consumption loan condition information between the money lender client and the money consumer client. 110), the information receiving unit 105, the storage unit 125 and the like, thereby implementing a loan process using the Internet banking according to the present invention.

In addition, the money loan condition information may include information included in the loan certificate and / or money loan agreement information, and also the confirmation information, loan amount information, borrowing date information, repayment period information, borrowing information for the loan At least one interest rate information, overdue interest rate information, and guarantor information on the amount may be included.

The user authentication unit 110 of the server 100 performs user authentication when the money lending client terminal 145 and the money consuming client terminal 150 are connected. Preferably, the user authentication unit 110, in processing the money transfer according to the money consumption loan condition information of the money consumer loan client, the money consumer client terminal 145 is connected to the server 100 to pay money Run a plug-in (eg XecureWeb or Iniplugin) for making money transfers to the consumer client account.

In addition, the user authentication unit 110 is authorized to be mounted on the storage medium (for example, smart card, etc.) connected to the money-consuming client terminal 145 or the money-consuming client terminal 145 through the driven plug-in. Mutual authentication between the server 100 and the money lender terminal 145 is performed through a certificate, and a session key for encryption communication between the server 100 and the money lender terminal is generated.

For example, according to the plug-in method, the client security module of the money lender client terminal 145 inquires a certificate or a private key list on the storage medium 140 connected to the terminal 145 or the terminal 145, and the RA on the network. You can check the certificate by communicating with / Directory Server.

The information receiving unit 105 of the server 100 receives or selects predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the money consumption client terminal 145, and receives the money consumption borrower client. In conjunction with the terminal 150, receives the commitment information of the borrower client for the money loan condition information.

Preferably, the information receiver 105 communicates with the money-consuming client terminal 145 and the money-consuming client terminal 150 through an encrypted communication channel using a session key.

For example, the encrypted communication may be possible by encrypting specific information such as account transfer information, money consumption condition information and commitment information according to the present invention, using an encryption algorithm such as SEED through the plug-in.

In addition, the information receiving unit 105 is in the process of receiving or receiving the predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the money consumer loan client terminal 145 and / or the money consumer borrower In connection with the client terminal 150, in the process of receiving the confirmation information of the money-consumer borrower client with respect to the money-consumption loan condition information, the official certificate of the money-consumer client and / or the money-consumer client And / or by being provided with an electronic signature, it is possible to authenticate whether the money consuming client and / or the money consuming client is an appropriate client.

In addition, when the information receiving unit 105 receives the money consumption loan condition information from the consumer client terminal 150, the information receiving unit 105 receives or selects the predetermined money consumption condition information from the consumer client terminal 150, In connection with the money lending client terminal 145, the payment information of the money lending client and the predetermined money transfer information corresponding to the money transfer may be received.

The storage unit 125 of the server 100 stores the money consumption loan condition information in association with the consumer loan client and the money consumer loan client information in a predetermined storage medium 100, and also stores the money consumption loan. The condition information is processed in association with the authorized certificate and / or electronic signature information of the consumer loan client and the consumer loan client to be stored in the storage medium 140.

Preferably, the money lender client information may be configured to include unique ID information, e-mail information, mobile phone number information, financial account information and authorized certificate information.

Referring to FIG. 1, the server 100 may further include a fund transfer unit 115, an interest amount calculation unit 135, a management unit 120, and a receipt processing unit 130 for a smooth implementation of the present invention. Can be.

The money transfer unit 115 of the server 100 refers to the money transfer information received by the information receiver 105 corresponding to the money transfer from the money consumption client client terminal 145, and the money consumption client client. Transfer the money to your account.

For example, the money transfer may be performed after the confirmation information of the money-consuming borrower client regarding the money consumption loan condition information selected or input by the money-consuming borrowing client is received.

In addition, when the money consumption loan condition information is selected or input by the money consumption borrower client, it may be preferable after the confirmation information of the money consumption loan client is received with respect to the selected or input money consumption loan condition information.

The interest amount calculating unit 135 of the server 100 transfers the money to the borrower client account, and then, after a predetermined period, the interest amount is calculated based on a predetermined interest rate corresponding to the loan condition. Automatic calculation.

For example, the interest rate information applied to calculate the interest amount to be provided to the consumer client by the borrowing client is included in the loan condition information, and the interest rate information is expressed as a percentage of the borrowing amount (eg, 5 digits a year, 1 penny a month, or the like, or a percentage of one day's interest for one hundred won.

Preferably, the interest rate may be determined by mutually negotiating consumption loan condition information between the client and the client, (eg, contracted interest rate), but by law, a certain rate (eg, 5, 6, etc.) Can be determined by

In a preferred embodiment, if the amount of money borrowed by the borrower client is 20,000,000 won and the interest rate determined by the loan condition information is one penny per month, the borrower client may spend the money. When a month elapses from the date of borrowing the 20,000,000 won from the client, the interest amount calculation unit of the server 100 calculates the interest amount by applying an interest rate for the 20,000,000 won (for example, 20,000,000 won × 0.01 = 20,000). You can do it.

In addition, the interest amount calculating unit 135 of the server 100 adds the interest amount calculated by the money loan condition information to the borrowing amount of the money borrowing client, thereby borrowing stored in the storage medium 140. Update the amount.

Preferably, the borrowed amount may be updated periodically according to the interest amount added by the interest amount calculation unit 135.

In addition, the interest amount calculation unit 135 refers to the money consumption client information (eg, e-mail, mobile phone number, login ID, etc.) and money consumption client information stored in the storage medium 140 of the calculated interest amount. Thus, it may be provided to the borrower client and / or money lender client.

The management unit 120 of the server 100 transfers the money to the borrower's client account, and after a certain period of time, confirms the money repayment period corresponding to the money consumption loan condition and confirms the repayment period. To notify the borrower client and / or the borrower client.

Receipt processing unit 130 of the server 100 is a predetermined money consumption loan condition associated with the money consumption client information when the money consumer borrower repays the money to the consumer loan client through the server 100 Extracts information from the storage medium 140, determines whether the amount of money and / or period information reimbursed by the borrower client and the money consumption condition information extracted from the storage medium 140 are determined, and the determination is made. As a result, when the amount information and / or period information reimbursed by the borrower client meets the loan condition information, the electronic document including a predetermined receipt function corresponding to the repayment of the money to the borrower client Issue a.

The storage medium 140 according to the present invention in the money transfer according to the money lending condition information between the money consumer loan client and the money consumer loan client, the server 100 and the money consumer client client 145 and the money Stores information (eg, money transfer information, money consumption loan condition information, commitment information, etc.) transmitted and received between the consumer borrower client terminal 150.

Referring to FIG. 1, although the storage medium 140 is shown as being located in the server 100, this is only one embodiment to help understanding of the present invention, and the storage medium is the server 100. It may be present on the network associated with.

On the other hand, according to the present invention, the server 100 has a function of performing user authentication when the money-consuming client terminal 145 and the money-consuming client terminal 150, and the consumer-client client terminal 145 Receiving or selecting predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the money consumption borrower client for the money consumption loan condition information in association with the money consumption borrower client terminal 150; And a program for realizing the function of receiving the confirmation information and the function of storing the money consumption condition information in association with the money lender client and the money consumer information and saving the money to a predetermined storage medium 140. It includes a recording medium.

Preferably, the program recorded on the recording medium is further characterized in that the function of transferring the money to the money-consuming borrower client account with reference to the received money transfer information.

In addition, the program further realizes a function of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition after a predetermined period of time after transferring the money to the money borrowing client account. It is characterized by.

In addition, according to another preferred embodiment, the server 100 has a function of performing user authentication when the money-consuming client terminal 145 and the money-consuming client terminal 150, and the consumer-client terminal ( 150 to receive or select predetermined money consumption loan condition information, and interlock with the money consumption loan client terminal 145 to confirm the information and the money transfer of the money consumption loan client with respect to the money consumption loan condition information. A program for realizing the function of receiving the corresponding predetermined money transfer information and the function of storing the money consumption loan condition information in association with the consumer loan client and the money borrower client information and storing the function in the predetermined storage medium 140. It may include a recording medium characterized in that recorded.

Preferably, the program may further implement the function of transferring the money to the money-consuming borrower client account with reference to the received money transfer information, and further, to transfer the money to the money-consuming borrower client account. After the transfer, a function of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition after a predetermined period of time is further realized.

2 is a simplified block diagram of an information storage medium 140 according to a preferred embodiment of the present invention.

Referring to FIG. 2, the information storage medium 140 according to the present invention includes a consumer information data file 200 for storing consumer information for borrowing money borrowing borrowing a predetermined amount of money and a money for the consumer spending money. Loan client information data file 205, which stores information of the loan client to be transferred, and money loan condition information for storing predetermined loan condition information received from the money consumer client and / or money consumer client. The data file 210 may be stored.

Preferably, the consumer loan client information data file 200, the loan owner client information data file 205, and the loan loan condition information data file 210 are stored in a cooperative process.

In addition, according to the present invention, the storage medium 140 may further store the official certificate and / or electronic signature information of the consumer and / or the client, the consumer, and calculated in response to the loan condition information The predetermined interest amount information may be further stored.

More specifically, referring to FIG. 3, the consumer's client information data file 200 included in the storage medium 140, the consumer's client information data file 205, and the loan's loan condition information data file 210 are included. Is shown for each data stored in the.

According to FIG. 3, the borrower client information data file 200 included in the storage medium 140 transfers a predetermined amount of money from another client (cash consumer loan client) according to a predetermined money consumption loan condition according to the present invention. Money-related borrower client-related information that is received (borrowing the amount of money) and repaid the borrowed amount to the money-consuming borrower client according to the money-consumption loan condition.

For example, the money consuming client information recorded in the money consuming client information data file 200 may be configured to include the name, ID, password, account information, telephone number, e-mail, and the like.

In addition, referring to FIG. 3, the client information data file 205 included in the storage medium 140 receives a predetermined amount of money in accordance with a predetermined money consumption loan condition according to the present invention. Information related to the money-consumer loan client, which is provided to the user (money transfer) and which is repaid the borrowed amount from the money-consumer loan client according to the money-consumption loan condition.

For example, the money consuming client information recorded in the money consuming client information data file 205 may be configured to include the name, ID, password, account information, telephone number, e-mail, and so on.

According to the present invention, the money lending condition information data file 210 included in the storage medium 140 is set according to the money transfer and repayment between the money lender client and the money lender client according to the present invention. It is characterized by recording information on loan condition for money consumption.

Preferably, the loan condition information for money consumption includes: borrower information, consumer loan information, remittance account information, collection account information, borrowed amount information, interest-containing amount information, borrowing date information, repayment period information, repayment period extension information, interest rate information. In addition, the delinquent interest rate information and the consumer loan agreement between the money consumer loan client and the money consumer loan client can be configured to include.

4 is a simple conceptual diagram of a borrowing process using Internet banking according to a preferred embodiment of the present invention.

FIG. 4 illustrates a method of transferring money to a borrower using information on loan condition information corresponding to a borrower between a borrower client and a borrower client in performing the borrowing using the Internet banking according to the present invention. The money consumer loan client is to connect to the server 100 to select or input.

Preferably, the money consumption loan condition information selected or input by the money lender client is transmitted to the money consumer client receiving the loan, and the money consumer client selects or inputs money consumption by the money consumer client. By providing the confirmation information on the loan condition information to the server 100, the money consumption loan between the money consumer loan client and the money consumer loan client is made.

Referring to FIG. 4, when the consumer loan client terminal 145 which transfers money to the money borrowing client is connected (1-1), the server 100 performs user authentication on the money consumption loan (1). -2) input or receive predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the consumer loan client terminal 145 (2).

For example, the money transfer information may include at least one or more remittance account information, password and / or secret key information, collection account information, user authentication information, the money consumption loan condition information, the confirmation information for money, loan amount It may include at least one of information, borrowing date information, repayment period information, interest rate information for the borrowed amount, delinquent interest rate information, joint guarantor information.

In addition, the server 100 interoperates with the money consumption client terminal 150 and transmits the money consumption loan condition information to the money consumption client client (3-1), from the money consumption client terminal. Receive confirmation information of the borrower client about the money loan condition information (3-2).

The server 100 processes the money consumption loan condition information in association with the consumer loan client and the money consumption client information based on the received confirmation information of the client. (4-1).

In addition, the server 100 transfers the borrowed money to the borrower's client account according to the money transfer information (4-2).

Subsequently, the server 100 automatically calculates an interest amount for the borrowing money by referring to the money consumption loan condition information stored in the storage medium 140 (5), and converts the calculated amount into the borrowing amount ( Or storage in the storage medium 140 in association with the borrowed amount (6).

5 is a simple flowchart of a borrowing process using Internet banking according to a preferred embodiment of the present invention.

FIG. 5 illustrates the use of money lending condition information for the money borrowing by the money lending client in performing money borrowing using Internet banking according to the present invention, and a predetermined amount of money based on the money lending condition information. Shows the process of transferring the money to the borrower's client account.

Referring to FIG. 5, when the money transfer consumer loan client terminal 145 accesses the server 100 according to the present invention for money transfer (500), the server 100 authenticates the validity of the money transfer consumer loan client. In operation 505, the server 100 and the money lender client terminal 145 form a secure channel.

Preferably, the validity authentication of the money transfer consumption client client is a money consumption client client mounted on the money transfer consumption client client terminal 145 (or mounted on a storage medium 140 such as a smart card connected to the client terminal). It is preferable to use a public certificate of, for example, by making a digital signature with the private key value included in the public certificate through the client security module mounted on the money-consuming client terminal 145 and transmits to the server 100 In addition, the server 100 may verify whether the money consuming client is a legitimate client by verifying the public key value of the money consuming client.

If the authentication for the money-consuming client fails (510), the server 100 provides an authentication failure message to the money-consuming client terminal 145 to notify (515).

On the other hand, if the authentication for the money consumer client is successfully completed (520), the server 100 can enter or select the money transfer information and money consumption condition information to the consumer client terminal 145. The page is transmitted through a secure channel formed between the server 100 and the money lender client terminal 145 (525).

When a page allowing input or selection of money transfer information and money consumption loan condition information is transmitted from the server 100 to the consumer client terminal 145, the consumer client receives money transfer information through the terminal 145. (E.g., remittance account information, password and / or secret key information, collection account information, user authentication information, etc.) and money consumption loan condition information (e.g., confirmation information for money vehicles, loan amount information, borrowing date information, repayment period information) Input or select interest rate information, delinquent interest rate information, guarantor information, etc.) for the borrowed amount (530). (See Figure 6)

Referring to Figure 6, a simplified illustration of a money lending contract information input or selection page according to a preferred embodiment of the present invention is shown.

The server 100 receives the input or selected money transfer information and money consumption loan condition information from the money lender client terminal 145 (535), and the server 100 and the received money transfer information. The money consumption loan condition information is temporarily stored in the storage medium 140 in association with the money consumption loan client information and the like (540).

Subsequently, when the money-consuming borrower client terminal 150 that receives money transfer from the money-consuming client in the server 100 is connected (545), the server 100 authenticates the connected money-consuming client. Is carried out.

For example, the authentication of the money-consuming borrower client may be performed through authentication information (eg, an ID and a password) of the money-consuming borrower client and mounted on the money-consuming borrower client terminal 150 (or connected to the client terminal). It is possible by using an authorized certificate of the borrower client (mounted on the storage medium 140, such as a smart card).

If the authentication for the money consumption client fails (550), the server 100 transmits an authentication failure message to the money consumption client (555).

On the other hand, if the authentication for the money-consuming borrower client is successfully completed (560), the server 100 checks the connected money-consuming borrower client information (565), the money-consuming borrower client from the storage medium In operation 570, the money lending condition information stored in association with the extracted information is extracted, and the money lending condition information selected or input by the money lending client is provided to the money lending client terminal 150 (570).

If the consumer borrower client that has received the loan condition information does not agree with the loan condition information (575), the borrower client terminal 150 transmits the loan condition information to the server 100. The rejection message may be sent (580).

When the server 100 receives a reject message for the money consumption loan condition information of the client, the server 100 spends money on the received money consumption loan condition information rejection message of the client. The client sends a notification to the client terminal 145 (585).

On the other hand, when the borrower client agrees with the loan condition information and provides the server 100 with confirmation information corresponding to the loan condition information (590) (see FIG. 7), the server 100 confirms the confirmation information (595) and stores the money consumption loan condition information in the storage medium 140 in association with the money consumer loan client and money consumer loan client information (600).

Referring to FIG. 7, a simple exemplary diagram of a page where the money-consuming borrower client inputs or selects confirmation information on the money-consuming loan condition information in response to the money-consuming loan condition information according to the preferred embodiment of the present invention. .

The server 100 transfers the borrowing amount according to the money consumption loan condition information from the money consumption client account to the money consumption client account based on the money transfer information.

8 is a simple flowchart of a process of borrowing money using Internet banking according to a preferred embodiment of the present invention.

8 is a predetermined amount of money in accordance with the information on the loan condition for the borrower established by the client, the client through the process of Figure 5, in performing the borrowing using the Internet banking according to the present invention After the transfer from the money lender client account to the money lender client account, a predetermined interest amount is calculated according to the money lending condition information, and the money lender client is repaid for the borrower. A simple flow chart for the process.

Referring to FIG. 8, according to FIG. 5, a predetermined money transfer is made from a money consumption loan client account to a money consumption borrower client account according to FIG. 5 (800), and the money transfer information and money consumption in the server 100 are performed. After the loan condition information is stored in association with the money consumption loan client information and the money consumption loan client information (805), it is preferable to proceed.

The server 100 inquires the money consumption loan condition information stored in the storage medium 140 to determine whether an interest amount calculation period for the borrowing period is reached (810), and if the interest amount calculation period for the borrowing amount If so (815), the server 100 automatically calculates the interest amount for the borrowed amount according to the interest rate information included in the loan condition information (820).

For example, the calculation of the interest amount of the server 100 is based on the interest rate information recorded in the money consumption loan condition information for the money loan between the money consumer loan client and the money consumer client stored in the storage medium 140, the interest rate If it is set for each month, the server 100 can calculate from the time of one month from the borrowing date, and if the interest rate is set for each year, the server 100 is one year from the borrowing date In the interest rate to which the interest rate is applied can be calculated.

In operation 825, the server 100 may provide an interest amount calculated according to interest rate information included in the loan condition information to the money lender client and the money lender client.

In addition, the server 100 stores the calculated interest amount in the storage medium 140 in association with the borrowing amount of the borrower of the money or adds the borrowed amount to the storage medium 140 (830). ).

In addition, the server 100 checks the money repayment period of the money consumption borrower client according to the money consumption loan condition information (835), if the money repayment period (840), the money indicating that the money repayment period has been The payment period confirmation is notified to the money borrowing borrower and the money lending client (845).

Then, the server 100 checks the final repayment amount and interest sum amount with reference to the money consumption loan condition information (850), and the money consumption loan from the money consumption borrower client account according to the money consumption loan condition information. The repayment amount is transferred to the client account (855).

For example, the borrowing amount repayment of the borrower's client may refer to the loan's loan condition information, and the borrower's amount is automatically transferred from the borrower's client account to the cash consumer's client on the borrowing date. As shown in FIG. 9, the borrower client may access the server 100 to create a predetermined money repayment (transfer) page to repay the borrowed amount.

If the balance of the money-consuming borrower client account does not reach the repayment amount (860), the server 100 notifies the money-consuming borrowing client and the money-consuming borrowing client of the money repayment failure details (865). In operation 870, the server 100 recognizes that the money repayment is overdue and applies the delinquent interest rate recorded in the money consumption loan condition information.

On the other hand, if the repayment amount is successfully transferred from the money-consuming borrower client account to the money-consuming client account and the repayment is completed (875), the server 100 returns the money repayment result to the money-consuming client and the client. Notify the borrower client of the money (880).

In operation 885, the server 100 transmits a predetermined receipt history (for example, a deposit receipt or a separate receipt, etc.) for the money repayment to the money consumer client.

10 is a simple conceptual diagram of a borrowing process using internet banking according to another preferred embodiment of the present invention.

FIG. 10 illustrates a method of receiving money loans for receiving money from borrowing loan information corresponding to money borrowing between a money lending client and a money lending client in performing a loan using Internet banking according to the present invention. The client accesses the server 100 to select or input the client.

Preferably, the present invention transfers the money consumption loan condition information previously selected or input by the money consumer client to the money consumer client providing the predetermined money to the money consumer loan client. Receiving from the confirmation information on the money consumption loan condition information selected or input by the borrower client, it is characterized in that the borrowing between the money client and the client.

Referring to FIG. 10, when the consumer borrower client terminal 150 intending to borrow money is connected to the server 100 (1-1), and the borrower according to the present invention intends to perform the borrowing according to the present invention, the server 100 The user performs user authentication on the connected money consumption borrower (1-2), and receives or selects the money consumption loan condition information on the money transfer from the consumption borrower client terminal 150 (2).

For example, the money-consuming borrower client may include information on the loan-consuming client, information on the amount of money to be borrowed, information on borrowing date, repayment period information, interest rate information on the amount of borrowing, overdue interest rate information, and guarantor information. It may include.

In addition, the server 100 interoperates with the money lender client terminal 145 and transmits the money lending condition information to the money lender client (3-1), from the money lender client terminal. Receive confirmation information of the money consumer loan client with respect to the money consumption loan condition information selected or input by the money consumer client (3-2).

In this case, the money lender client further transmits money transfer information (for example, money transfer account information, password and / or secret key information, money collection account information, user authentication information, etc.) for the money loan to the server 100. Can be.

Then, the server 100 processes the money consumption loan condition information in association with the consumer loan client and the money consumer account information based on the received confirmation information and the money transfer information of the client. In the storage medium 140 of (4-1), and the server 100 transfers the borrowed amount to the money consumption client account according to the money transfer information (4-2).

Subsequently, the server 100 automatically calculates an interest amount for the borrowing money by referring to the money consumption loan condition information stored in the storage medium 140 (5), and converts the calculated amount into the borrowing amount ( Or storage in the storage medium 140 in association with the borrowed amount (6).

11 is a simple flowchart of a process for borrowing money using Internet banking according to another preferred embodiment of the present invention.

FIG. 11 illustrates the use of money borrowing condition information for the money borrower by the borrower client in establishing money borrowing using internet banking according to the present invention, and is determined by the established money consumption loan condition information. It shows the process of receiving the transfer amount from the money consumer client account.

Referring to FIG. 11, when a client terminal (money consumer client terminal 150) who wants to borrow a predetermined amount of money accesses the server 100 according to the present invention (1100), the server 100 transfers the money. Validation of the consumer client is performed (1105). In this case, it is preferable that the server 100 and the money consumption client terminal 145 form a secure channel for exchanging predetermined information.

In addition, the validity authentication of the money transfer consumption borrower client is performed by the money consumption borrower client mounted on the money transfer consumption borrower client terminal 150 (or mounted on a storage medium 140 such as a smart card connected to the client terminal). It is preferable to use an accredited certificate.

For example, an electronic signature is generated using a private key value included in the public certificate through a client security module installed in the client device 150, and the server 100 is transmitted to the server 100. By verifying the public key value of the borrower client, it is possible to confirm whether the borrower client is a legitimate client.

If the authentication for the money-consuming borrower client fails (1110), the server 100 provides an authentication failure message to the money-consuming borrower client terminal 150 to notify it (1115). However, if the authentication for the money-consuming borrower client is successfully completed (1120), the server 100 displays a page that allows input or selection of money-consuming loan condition information to the consumer-client terminal 150. 100) and transmits through a secure channel formed between the borrower client terminal 150 (1125).

When a page capable of inputting or selecting payment loan condition information from the server 100 is transmitted from the server 100 to the consumer loan client terminal 150, the consumer loan client receives information on loan conditional payment information (eg, for a money vehicle) through the terminal. (B) confirmation information, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, delinquent interest rate information, guarantor information, etc.) (1130).

The server 100 receives the input or selected money consumption loan condition information from the money consumption client terminal 150 (1135), and connects the received money consumption loan condition information to the money consumption client information and the like. Temporarily stored in the storage medium 140 (1140).

Subsequently, when the money consumption loan client terminal 145 accesses the money borrowing client client from the server 100 to make money transfer (1145), the server 100 connects to the connected money consumption client. Authenticate

For example, the authentication for the money lender client may be performed through authentication information (eg, an ID and password) of the money lender client and mounted on the money lender client terminal 145 (or connected to the client terminal). It may be possible by using an authorized certificate of the money-consuming client (mounted on the storage medium 140, such as a smart card).

If the authentication for the money consumption client fails (1150), the server 100 transmits an authentication failure message to the money consumption client (1155). On the other hand, if the authentication for the money-consuming client is successfully completed (1160), the server 100 checks the connected money-consuming client information (1165), and the money-consuming client is selected or inputted. The money consumption loan condition information is extracted from the storage medium 140, and the extracted money consumption loan condition information is provided to the money consumption client terminal 145 (1170).

If the consumer loan client having received the loan condition information does not agree with the loan condition information (1175), the money loan client terminal 145 transmits the loan condition information to the server 100. The rejection message may be transmitted (1180).

When the server 100 receives a rejection message regarding the money consumption loan condition information of the client, the server 100 transmits the received money consumption loan condition information rejection message of the money consumption loan client. The money is sent to the borrower client terminal 150 and notified (1185).

On the other hand, when the money lender client agrees with the money consumption loan condition information (1190), confirmation information corresponding to the money consumption loan condition information and the money transfer information (for example, the money loan) to the server 100 are provided. , Remittance account information, password and / or secret key information, collection account information, user authentication information, etc. (1195), the server 100 checks the confirmation information, and the money consumption condition information In operation 1200, the storage medium 140 is stored in connection with the money consumption client and the money consumption client information.

The server 100 transfers the borrowing amount according to the money consumption loan condition information from the money consumption client account to the money consumption client account based on the money transfer information.

Thereafter, a predetermined interest amount is calculated according to the money consumption loan condition information according to the money consumption loan condition information for the money borrowing established between the money borrowing client and the money consumer loan client, and the money for the money loan is calculated. The process of repayment of the consuming client is according to FIG. 8 described above.

According to the present invention, a money-consuming borrower client terminal borrowing predetermined money and a money-consuming client terminal for transferring a predetermined amount of money to the money-consuming borrower client and money consumption between the money-consuming borrower client terminal and the money-consuming client client terminal By borrowing money using the Internet banking between the money-consuming borrower client and the money-consuming lender client through a money borrowing system using the Internet banking, including a server relaying the loan, in accordance with the money borrowing The advantage is that contract creation and management can be done more conveniently.

In addition, by automatically calculating a predetermined interest amount according to the borrowing of money, there is an advantage that it is possible to reduce the cumbersome work such as calculating the interest amount at the time of repayment.

In addition, the service provider (for example, a bank, etc.) has the advantage that it is possible to secure new customers through the loan service.

Claims (9)

An online money consumption transaction processing apparatus for relaying a money consumption loan transaction between a money consumer loan client terminal borrowing a predetermined money and a money consumer loan client terminal transferring a predetermined amount of money to the money consumer client, A user authentication unit configured to authenticate a user when the money-consuming client terminal and the money-consuming client terminal are connected; Receives or selects predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the consumer loan client terminal, and interlocks with the money borrowing client terminal, wherein the money consumption for the money consumption loan condition information is received. An information receiver configured to receive commitment information of the borrower client; And And a storage unit for cooperatively processing the money consumption loan condition information with the money lending client and the money lending client information to store in a predetermined storage medium. The method of claim 1, And a money transfer unit for transferring the money to the borrower's client account by referring to the money transfer information received by the information receiving unit. The method of claim 1, And an interest amount calculation unit for automatically calculating an interest amount based on a predetermined interest rate corresponding to the loan condition for money consumption after a predetermined period of time after transferring the money to the borrower client account. On-line cash consumption transaction processing device. The method of claim 1, After transferring the money to the borrower's client account, after a certain period of time, the money repayment period corresponding to the loan condition is checked and the repayment period confirmation result is determined by the borrower's client and / or money consumption. An on-line cash consumption transaction processing apparatus further comprising a management unit for notifying the lender. The method of claim 1, When the money borrowing client repays the money to the money lending client, extracts predetermined money consumption loan condition information associated with the money lending client information, and the amount information and / or the period repaid by the money borrowing client. Determining whether the information meets the loan condition information extracted from the storage medium, and if the amount information and / or period information reimbursed by the borrower client is matched with the loan condition information, And a receipt processing unit for issuing an electronic document including a predetermined receipt function corresponding to the repayment of the money to the borrowing client. The method of claim 1, wherein the authentication unit to the receiving unit, On-line cash consumption transaction processing apparatus, characterized in that for verifying the official certificate of the consumer and / or the consumer of the consumer and / or provided with an electronic signature. The method of claim 1, wherein the storage unit, And processing the cash consumption loan condition information in association with an authorized certificate and / or electronic signature information of the consumer loan client and the consumer loan client and storing the information on the storage medium. The method according to any one of claims 1 to 7, wherein the money consumption loan condition information, An on-line cash consumption transaction processing apparatus comprising the information included in the loan certificate and / or the money consumption loan contract information. The method according to any one of claims 1 to 7, wherein the money consumption loan condition information, An on-line cash consumption transaction processing apparatus comprising at least one of identification information, borrowing amount information, borrowing date information, repayment period information, interest rate information, delinquent interest rate information, and guarantor information for the borrowing money.

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